Generally, an insurer has three options when a claim is tendered for defense. An insurer may deny any obligation to defend, agree to fully defend without reservation, or agree to defend while reserving rights to deny coverage later.
The Indefensible Defense
The lack of enforceability of insurer billing guidelines as a matter of both contract law and ethics provides corporate policyholders with strong ammunition to reject any attempt by an insurer to unilaterally impose such guidelines.
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